Estimated future value of savings

First National Health Savings

What if instead of surrendering income to health insurance premiums every month, money set aside for your health care belonged to you? That's how it works with a Health Savings Account from First National Bank. Individuals covered under a high-deductible health plan deposit pre-tax money into a Health Savings Account, and use it to pay qualified medical expenses, tax-free.†

First National Relationship Health Savings

No monthly maintenance fee for customers with a First National consumer checking account.

Health Savings Visa® Debit Card

Give your Health Savings account purchasing power with a First National Bank Visa Debit Card.* Just present your card at the merchant and sign your receipt - its that easy. The amount of your qualifying medical purchase is automatically deducted from your First National Bank Health Savings Account.

Account Features:

No monthly service fee

Make up to $5,000 in purchases per day (provided adequate funds are available)

Make up to $1,000 in cash withdrawals per day from any NETS or PLUS System ATMs (provided adequate funds are available)**

To receive a Visa Debit Card you'll need a First National Bank Health Savings Account. If you already have an account and would like to receive a Visa Debit Card, please contact a Personal Banker.

Related Product and Services:

Visa's Zero Liability***

Health Savings Account

Relationship Health Savings Account

* Available on First National Bank checking accounts only. Subject to qualifications.

** A surcharge may be assessed by the financial institution that owns the ATM.

*** Visa's Zero Liability policy covers U.S. issued cards only and does not apply to PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.

Contribution limits for a First National Health Savings

Calendar Year 2017

Calendar Year 2018

Self Only

Family

Self Only

Family

Annual HSA Contribution

$3,400

$6,750

$3,450

$6,900

HDHP Minimum Deductible

$1,300

$2,600

$1,350

$2,700

HDHP Out-Of-Pocket Limit (includes deductibles, co-payments, and other amounts but not premiums)

$6,550

$13,100

$6,650

$13,300

Catch Up Contribution Limits (available to customers 55 years old and above)